Bank Comparison
Flatirons Bank vs First Farmbank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 12
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Flatirons Bank | First Farmbank |
|---|---|---|
| CET1 Ratio | 13.10% | 15.02% |
| Tier 1 Capital Ratio | 13.10% | 15.02% |
| Total Capital Ratio | 14.35% | 15.92% |
| Tier 1 Leverage Ratio | 9.04% | 12.23% |
| Equity / Assets | 7.88% | 11.86% |
Profitability
| Metric | Flatirons Bank | First Farmbank |
|---|---|---|
| Return on Assets (ROA) | 1.52% | 1.34% |
| Return on Equity (ROE) | 19.38% | 11.43% |
| Net Interest Margin (NIM) | 3.80% | 4.42% |
| Yield on Earning Assets | 5.50% | 6.56% |
| Cost of Funds | 1.80% | 2.31% |
Asset quality
| Metric | Flatirons Bank | First Farmbank |
|---|---|---|
| Texas Ratio | 4.04% | 5.90% |
| Non-Performing Loan Ratio | 0.49% | 0.98% |
| Non-Performing Asset Ratio | 0.35% | 0.74% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.19% | 0.96% |
Balance sheet
| Metric | Flatirons Bank | First Farmbank |
|---|---|---|
| Total Assets | $358,938K | $382,764K |
| Total Deposits | $325,902K | $325,707K |
| Total Loans | $257,187K | $290,900K |
| Total Equity | $28,279K | $45,401K |
| Net Income (quarter) | $1,351K | $1,288K |
Liquidity & funding
| Metric | Flatirons Bank | First Farmbank |
|---|---|---|
| Loan-to-Deposit Ratio | 78.92% | 89.31% |
| Core Deposit Ratio | 94.93% | 82.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Flatirons Bank | First Farmbank |
|---|---|---|
| Headquarters City | BOULDER | GREELEY |
| Headquarters State | CO | CO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 6 |
| Employees (FTE) | 43 | 57 |
| Established | Dec. 22, 2001, midnight | Feb. 12, 2007, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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